dear rixi, you're a honduran immagrant. you're coming to the us, you have an idea to start, you know, a women's cosmetics store or a clothing store. you're going to need a lot of things, ya know, to pay the rent, permits inventory, advertising, marketing so that adds up quite a bit. you're going to need tens of thousands of dollars to start a small busines. there is ten million-plus people completely left out of the formal finical system. banks don't lend to people like that at all. there is a lot of opportunity to decrease unemployment, provide employment, provide economic opportunity and raise our standard of living by investing in small business. our hearts are an incredibly powerful thing. good technology can help amplify this power and create an incredibly powerful force that can spread to every country in the world.